Best Life Insurance in Santa Rosa, CA (September 2024)


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Updated: October 4, 2024

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Protective is the best life insurance provider in Santa Rosa, California, for men and women. For women, Protective has a MoneyGeek score of 91 and an average monthly premium of $27. For men, the MoneyGeek score is 92, with an average monthly premium of $29. These scores and premium costs are based on a 20-year term policy with $500,000 coverage.

When choosing life insurance, consider different factors to find the best fit for your unique needs.

Why Trust MoneyGeek? We analyzed 1,488 life insurance quotes alongside customer satisfaction, financial stability reports, product offerings and more to determine the best life insurance companies in Santa Rosa, California.

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Coverage costs and company information for life insurance providers were updated in September 2024.

1,488Quotes Analyzed
 
14Companies Compared
 
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MoneyGeek Logo IconBestLife InsuranceSanta Rosa, CA
2024

Best Life Insurance Companies in Santa Rosa

Overall Best Life Insurance in Santa Rosa, CA

How was this MoneyGeek score calculated?

In Santa Rosa, Protective offers the best life insurance for men and women. For men, it has a MoneyGeek score of 92 and an average monthly premium of $29. For women, it has a MoneyGeek score of 91 and a premium of about $27 per month.

Top providers for men:

  • Protective: MoneyGeek score of 92 out of 100 at $29 per month for men
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $35 per month for men

Top providers for women:

  • Protective: MoneyGeek score of 91 out of 100 at $27 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $33 per month for women

Protective stands out for its high MoneyGeek scores and affordability. These attributes make it an excellent choice for individuals in Santa Rosa seeking reliable and cost-effective life insurance.

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MoneyGeek Top Pick
Protective

In Santa Rosa, Protective is the premier choice for life insurance for men and women. With a MoneyGeek score of 92 for men and 91 for women, Protective offers comprehensive coverage at affordable monthly premiums of $29 for men and $27 for women. Consumers value the company's high customer satisfaction and financial stability, making it a reliable option for their insurance needs.

Pros:

  • High customer satisfaction
  • Affordable premiums
  • Strong financial stability

Cons:

  • Buying process could be improved

Best Term Life Insurance in Santa Rosa, CA

How was this MoneyGeek score calculated?

For those seeking the best term life insurance in Santa Rosa, Protective stands out with a MoneyGeek score of 92 and an average monthly premium of $15 for men and women. Its score reflects a balance of affordability, customer satisfaction and financial stability, making Protective a prudent choice for the average individual looking for reliable term life insurance coverage.

The top two term life insurance companies for men are:

  • Protective: MoneyGeek score of 92 out of 100 at $15 per month for men
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $18 per month for men

For women, the top two are:

  • Protective: MoneyGeek score of 92 out of 100 at $15 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $19 per month for women

Term life insurance offers coverage for a predetermined period, making it a suitable option for those who need financial protection for a specific time frame. For instance, parents might choose term insurance to ensure their child's education costs are covered in the event of their untimely death.

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MoneyGeek Top Pick
Protective

Protective is the premier option for term life insurance in Santa Rosa for men and women. With a MoneyGeek score of 92 and an average monthly premium of $15 for both genders, it offers a blend of value and satisfaction.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in Santa Rosa, CA

How was this MoneyGeek score calculated?

In Santa Rosa, Protective provides the best whole life insurance for men and women, with a MoneyGeek score of 92 for each. Protective offers a reliable choice for individuals seeking a balance of affordability, customer satisfaction and financial stability in their insurance policy.

Top whole life companies for men in Santa Rosa:

  • Protective: MoneyGeek score of 92 out of 100 for men
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 for men

Top whole life companies for women in Santa Rosa:

  • Protective: MoneyGeek score of 92 out of 100 for women
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 for women

Whole life insurance is a type of permanent life insurance that offers a guaranteed death benefit, fixed premiums and a cash value component that grows over time. For example, someone might prefer whole life insurance to term life insurance if they are interested in long-term financial planning and want to ensure lifetime coverage.

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MoneyGeek Top Pick
Protective

In Santa Rosa, Protective is the premier choice for whole life insurance for men and women, with MoneyGeek scores of 92 for each. This score reflects a strong commitment to customer satisfaction and financial stability, ensuring policyholders receive quality service and financial security.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial foundation

Cons:

  • Buying process could improve
  • More product variety needed

Compare Life Insurance Rates

Ensure you're getting the best rate for your life insurance. Compare quotes from top providers to find the most affordable life insurance coverage for your needs.

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Best Universal Life Insurance in Santa Rosa, CA

How was this MoneyGeek score calculated?

Protective provides the best universal life insurance in Santa Rosa for men and women, with a MoneyGeek score of 91 for each. This high score reflects the company's strong performance across multiple aspects, including affordability and customer satisfaction, which are key for individuals seeking reliable and cost-effective insurance coverage. The average person in Santa Rosa would also benefit from Protective's comprehensive offerings and financial stability.

Best universal life insurance for men:

  • Protective: MoneyGeek score of 91 out of 100 for men
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 for men

Best for women's universal life insurance:

  • Protective: MoneyGeek score of 91 out of 100 for women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 for women

Universal life insurance is a flexible policy that allows policyholders to adjust their premiums and death benefits. For example, someone might choose universal life insurance over other types because they desire the ability to build cash value that can be used as a loan in the future while enjoying the security of lifelong coverage.

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MoneyGeek Top Pick
Protective

Protective is the premier choice for universal life insurance in Santa Rosa for men and women. With a MoneyGeek score of 91 for both genders, Protective demonstrates a robust commitment to customer satisfaction and financial stability.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Limited product diversity
  • Buying process improvement needed

Best No-Medical-Exam Life Insurance in Santa Rosa, CA

How was this MoneyGeek score calculated?

Protective stands out as the best no-medical-exam life insurance provider in Santa Rosa, with a MoneyGeek score of 91 for men and women. This score reflects the company's strong performance across various metrics, including affordability, customer satisfaction and financial stability. Protective's leading score makes it an optimal choice for individuals seeking a reliable insurance option without needing a medical exam.

Best no-medical-exam life insurance for men:

  • Protective: MoneyGeek score of 91 out of 100 for men
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 for men

Best life insurance for women that does not require a medical exam:

  • Protective: MoneyGeek score of 91 out of 100 for women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 for women

Life insurance without a mandatory medical exam allows individuals to obtain coverage quickly and without the need to undergo a physical examination. For example, someone with a busy schedule or a dislike of medical appointments might choose this insurance type for its convenience and speed of approval.

mglogo
MoneyGeek Top Pick
Protective

In Santa Rosa, Protective is the premier choice for men and women seeking life insurance without the hassle of a medical exam. It has a MoneyGeek score of 91 for both genders. This high score comes from the company's exceptional customer satisfaction and competitive pricing.

Pros:

  • High customer satisfaction
  • Competitive pricing
  • Strong financial stability

Cons:

  • Limited product diversity
  • Buying process could be smoother

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Best Term Life Insurance for Seniors in Santa Rosa, CA

How was this MoneyGeek score calculated?

In Santa Rosa, Protective provides the best term life insurance for seniors, with a MoneyGeek score of 91 for men and 90 for women. Its average monthly premiums are $70 and $68, respectively.

Age significantly influences life insurance premiums, as insurers view older policyholders as higher risk, often resulting in higher costs. Protective's high MoneyGeek score reflects its strong performance across affordability, customer satisfaction and financial stability. For seniors prioritizing these factors in their insurance selection, Protective offers a compelling choice.

Best Term Life Insurance for Seniors in Santa Rosa
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$70MG Score out of 10091
2CompanyMutual of OmahaPremium$78MG Score out of 10091
3CompanyNationwidePremium$66MG Score out of 10090
4CompanyAllstatePremium$63MG Score out of 10089
5CompanyTransamericaPremium$64MG Score out of 10088
6CompanyAAAPremium$88MG Score out of 10088
7CompanyPrudentialPremium$67MG Score out of 10087
8CompanyState FarmPremium$102MG Score out of 10086
9CompanyHavenPremium$138MG Score out of 10082

Best Term Life Insurance for Smokers in Santa Rosa, CA

How was this MoneyGeek score calculated?

For smokers in Santa Rosa seeking term life insurance, Mutual of Omaha is the top provider, with a MoneyGeek score of 90 for men and 89 for women. Men can expect an average monthly premium of $75, while women will pay about $82.

Smoking influences life insurance premiums significantly as insurers view smokers as higher risk, which often results in higher costs. Mutual of Omaha's high MoneyGeek score reflects its excellence in affordability, customer satisfaction, buying process, financial stability and product diversity. These attributes make it a compelling choice for those searching for the best term life insurance for smokers.

Best Term Life Insurance for Smokers in Santa Rosa
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$75MG Score out of 10090
2CompanyNationwidePremium$72MG Score out of 10089
3CompanyAAAPremium$78MG Score out of 10088
4CompanyPrudentialPremium$59MG Score out of 10088
5CompanyTransamericaPremium$69MG Score out of 10087
6CompanyProtectivePremium$122MG Score out of 10087
7CompanyHavenPremium$75MG Score out of 10086
8CompanyState FarmPremium$106MG Score out of 10084
9CompanyAllstatePremium$104MG Score out of 10084

Best Term Life Insurance for Young Adults in Santa Rosa, CA

How was this MoneyGeek score calculated?

For the best term life insurance for young adults in Santa Rosa, Protective stands out with a MoneyGeek score of 92 and an average monthly premium of $9 for men and women.

Age plays a crucial role in determining life insurance premiums, with younger adults typically enjoying lower rates. Protective's high MoneyGeek score is attributed to its affordability, customer satisfaction and financial stability, making it an excellent choice for young adults seeking term life insurance in Santa Rosa.

Best Term Life Insurance for Young Adults in Santa Rosa
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$9MG Score out of 10092
2CompanyMutual of OmahaPremium$11MG Score out of 10091
3CompanyNationwidePremium$11MG Score out of 10090
4CompanyAllstatePremium$9MG Score out of 10089
5CompanyTransamericaPremium$9MG Score out of 10088
6CompanyAAAPremium$12MG Score out of 10088
7CompanyPrudentialPremium$13MG Score out of 10085
8CompanyState FarmPremium$16MG Score out of 10085
9CompanyHavenPremium$14MG Score out of 10084
10CompanyBestowPremium$19MG Score out of 10083

Best Cheap Term Life Insurance in Santa Rosa, CA

How was this MoneyGeek score calculated?

For those seeking the best cheap term life insurance in Santa Rosa, Protective stands out for men and women. The company provides excellent value, with a MoneyGeek score of 92 and an average monthly premium of $15 for both genders. Protective's high MoneyGeek score is attributed to its affordability and high customer satisfaction ratings.

Life insurance premiums are influenced by several factors, including age, health and the amount of coverage. To secure the lowest premiums, maintaining good health and choosing a shorter term length can be beneficial.

Best Cheap Term Life Insurance in Santa Rosa
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$15MG Score out of 10092
2CompanyAllstatePremium$15MG Score out of 10091
3CompanyNationwidePremium$17MG Score out of 10091
4CompanyTransamericaPremium$15MG Score out of 10091
5CompanyMutual of OmahaPremium$18MG Score out of 10089
6CompanyAAAPremium$20MG Score out of 10087
7CompanyPrudentialPremium$20MG Score out of 10085
8CompanyState FarmPremium$25MG Score out of 10082
9CompanyHavenPremium$25MG Score out of 10082

Average Cost of Term Life Insurance in Santa Rosa, CA

The average monthly premium for term life insurance in Santa Rosa, California, is $29 for women and $33 for men. Knowing these rates can help you make informed decisions when purchasing life insurance.

Several factors affect the cost of life insurance premiums, including age, health, lifestyle and occupation. Insurance companies assess these factors to determine the risk associated with insuring an individual.

The cost of life insurance in Santa Rosa might be higher or lower than in other parts of California for various reasons. Local economic conditions, health statistics and lifestyle trends can all influence insurance premiums. For instance, if Santa Rosa has higher health care costs or a higher incidence of certain health conditions, premiums might be higher. Conversely, lower living costs or healthier lifestyle trends could result in lower premiums.

FAQ About Life Insurance in Santa Rosa, CA

What company has the best life insurance in Santa Rosa for men?
What is the monthly premium cost for the best life insurance for men in Santa Rosa?
What company has the best life insurance in Santa Rosa for women?
What is the monthly premium cost for the best life insurance for women in Santa Rosa?
Is there anything different about life insurance in Santa Rosa compared to the rest of California?
What happens to your life insurance if a company goes bankrupt in Santa Rosa?
Why might Santa Rosa residents need life insurance?
How do you find a lost life insurance policy in Santa Rosa?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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